Rhinebeck Bancorp, Inc.

RBKB

RBKBRhinebeck Bancorp, Inc. US flag

NASDAQ Capital Market

17.65

USD

+0.11

- -

195.92MMarket Cap

Income Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	29	31	34	38	45	47	48	44	29	53
+ Sales & Services Revenue	29	31	34	38	45	47	48	44	29	53
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	16	16	17	18	19	23	23	21	22	24
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-16	-16	-17	-18	-19	-23	-23	-21	-22	-24
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-4	-7	-5	-7	-7	-15	-9	-6	11	-13
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-4	-7	-5	-7	-7	-15	-9	-6	11	-13
Pretax Income	4	7	5	7	7	15	9	6	-11	13
- Income Tax Expense (Benefit)	1	4	1	2	2	3	2	1	-2	3
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	3	3	4	6	6	12	7	4	-9	10
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	3	3	4	6	6	12	7	4	-9	10
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	3	3	4	6	6	12	7	4	-9	10
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	3	3	4	6	6	12	7	4	-9	10
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	1	1	1	1	1	2	2	1	1	1
EBITDA Margin (%)	4.51	3.9	3.5	3.52	3.18	3.54	3.46	3.41	4.95	2.55
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	9.23	9.7	12.83	15.74	13.25	24.69	14.65	10.06	-30	18.83
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	1	1	1	1	1	2	2	1	1	1
Basic Weighted Avg Shares	4	4	4	11	11	11	11	11	11	11
Basic EPS, GAAP	0.65	0.72	1.05	0.56	0.55	1.07	0.65	0.41	-0.8	0.93
Basic EPS from Cont Ops	0.65	0.72	1.05	0.56	0.55	1.07	0.65	0.41	-0.8	0.93
Diluted Weighted Avg Shares	4	4	4	11	11	11	11	11	11	11
Diluted EPS, GAAP	0.65	0.72	1.05	0.56	0.55	1.06	0.64	0.4	-0.8	0.92
Diluted EPS from Cont Ops	0.65	0.72	1.05	0.56	0.55	1.06	0.64	0.4	-0.8	0.92

Balance Sheet (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	153	124	152	127	196	300	240	159	147	122
+ Cash & Cash Equivalents	13	10	51	12	93	19	17	15	19	19
+ ST Investments	140	113	101	115	103	280	224	144	128	103
+ Accounts & Notes Receiv	2	2	3	3	4	3	4	5	4	5
+ Accounts Receivable, Net	2	2	3	3	4	3	4	5	4	5
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-155	-126	-154	-130	-200	-303	-245	-164	-152	-127
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	18	17	17	18	19	19	19	18	14	14
+ Property, Plant & Equip	38	38	39	41	43	45	46	46	43	44
- Accumulated Depreciation	20	21	22	23	24	26	28	29	29	31
+ LT Investments & Receivables	142	115	101	115	103	280	224	192	160	162
+ LT Investments	142	115	101	115	103	280	224	192	160	162
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-160	-132	-118	-133	-122	-299	-242	-210	-174	-176
+ Total Intangible Assets	4	2	2	2	2	3	3	2	2	2
+ Goodwill	3	2	1	1	1	2	2	2	2	2
+ Other Intangible Assets	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-164	-134	-120	-135	-123	-302	-245	-212	-176	-178
Total Assets	723	742	882	974	1,129	1,281	1,336	1,313	1,256	1,302
+ Payables & Accruals	9	10	10	11	19	21	25	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	9	10	10	11	19	21	25	- -	- -	- -
+ ST Debt	- -	- -	5	- -	- -	- -	- -	- -	20	2
+ ST Borrowings	- -	- -	5	- -	- -	- -	- -	- -	20	2
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-9	-10	-15	-11	-19	-21	-25	- -	-20	-2
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-9	-10	-15	-11	-19	-21	-25	- -	-20	-2
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	15	20	37	71	56	23	63	133	75	29
+ LT Borrowings	15	20	37	71	56	23	63	133	75	29
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-15	-20	-37	-71	-56	-23	-63	-133	-75	-29
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-15	-20	-37	-71	-56	-23	-63	-133	-75	-29
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	670	687	823	864	1,012	1,155	1,228	1,200	1,134	1,165
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	- -	46	46	47	47	46	46	46
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	- -	- -	46	46	47	47	46	46	46
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	58	62	66	72	78	90	97	100	92	102
+ Other Equity	-5	-7	-7	-4	-4	-7	-32	-29	-13	-8
Equity Before Minority Interest	53	55	59	110	116	126	108	114	122	137
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	53	55	59	110	116	126	108	114	122	137
Total Liabilities & Equity	723	742	882	974	1,129	1,281	1,336	1,313	1,256	1,302
Shares Outstanding	4	4	4	11	11	11	11	11	11	11
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	2	10	-9	59	-38	4	46	119	76	11
Net Debt to Equity	3.2	17.45	-14.91	54.13	-32.32	2.98	42.6	104.34	62.18	8.39
Tangible Common Equity Ratio	6.82	7.18	6.54	11.13	10.19	9.64	7.92	8.48	9.53	10.35
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	3	3	4	6	6	12	7	4	-9	10
+ Depreciation & Amortization	1	1	1	1	1	2	2	1	1	1
+ Non-Cash Items	1	- -	4	3	6	-3	6	2	17	4
+ Stock-Based Compensation	- -	- -	- -	- -	- -	1	1	1	- -	- -
+ Deferred Income Taxes	- -	2	- -	- -	-2	1	- -	- -	-3	2
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	1	-2	4	3	7	-5	6	1	19	1
+ Chg in Non-Cash Work Cap	- -	1	-1	2	1	-3	- -	- -	-1	-3
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	-1	- -	-1	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	1	1	2	6	3	4	2	3	- -
+ Inc (Dec) in Other	- -	- -	-1	1	-4	-7	-4	-2	-5	-3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	5	5	9	12	15	8	15	7	8	12
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	1	- -	- -	- -	- -	- -	- -	3	- -
+ Disp of Fixed Prod Assets	- -	1	- -	- -	- -	- -	- -	- -	3	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-1	-3	-2	-2	-1	-1	-1	-1
+ Acq of Fixed Prod Assets	-1	-1	-1	-3	-2	-2	-1	-1	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	79	-31	- -	- -	- -	-1	- -	- -
+ Increase in Capital Stock	- -	- -	79	10	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-41	- -	- -	- -	-1	- -	- -
+ Net Change in LT Investment	-29	26	13	-11	13	-182	24	34	36	3
+ Dec in LT Investment	43	49	17	30	52	62	54	34	107	52
+ Inc in LT Investment	-71	-24	-4	-41	-39	-245	-30	- -	-71	-49
+ Net Cash From Acq & Div	- -	3	- -	- -	- -	33	- -	- -	- -	- -
+ Cash from Divestitures	- -	3	- -	- -	- -	33	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-43	-53	-116	-119	-85	16	-146	-19	37	19
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-73	-24	-104	-132	-74	-136	-124	15	75	21
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	- -	- -	- -	-16	-33	40	70	- -	- -
+ Cash From Debt	- -	- -	- -	- -	- -	- -	40	70	- -	- -
+ Repayments of Debt	- -	- -	- -	- -	-16	-33	- -	- -	- -	- -
+ Other Financing Activities	53	16	56	113	156	139	29	-100	-68	32
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	53	16	136	81	141	107	68	-31	-68	32
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-15	-3	40	-39	82	-21	-41	-9	15	65
EBITDA	1	1	1	1	1	2	2	1	1	1
EBITDA Margin (%)	4.51	3.9	3.5	3.52	3.18	3.54	3.46	3.41	4.95	2.55
Free Cash Flow	4	5	7	10	13	6	14	6	8	11
Net Cash Paid for Acquisitions	- -	-3	- -	- -	- -	-33	- -	- -	- -	- -
Free Cash Flow to Firm	4	5	7	10	13	6	14	6	- -	11
Free Cash Flow to Equity	- -	5	7	10	-3	-27	53	77	11	11
Free Cash Flow per Basic Share	0.92	1.13	1.79	0.89	1.21	0.55	1.26	0.6	0.71	1.01
Price/Free Cash Flow	- -	- -	- -	8.24	5.49	12.39	6.29	11.46	11.23	10.46
Cash Flow to Net Income	1.82	1.79	1.98	2.03	2.51	0.66	2.11	1.6	-0.98	1.17
Capital Expenditures	-1	-1	-1	-3	-2	-2	-1	-1	-1	-1